I've worn it with just a t shirt (quick errand) and was toasty.
external snap flap on yokeTwo zippered handwarmer pockets with reflective webbing pullsSpandex binding at cuff keeps cold out.
Overall Rating 5 of 5 stars "I live in Akron, Ohio.
I've also worn it with sweaters, etc.
The only thing I have noticed thatcould potentially be a flaw or of concern is little bits of down come through the fabric but so far not too much.